Top Business Credit Cards

Do you want to immediately get the solution? The most suitable credit card for business individuals is that of Chase Ink Business Cash.

A business credit card comes with the highest spending limits, as well as advantages with insurance, and benefits like airline points or cashback.

If you’re spending the cash anyway then why not take points or cash back to invest back into your company? Lunching with clients could pay for the new batch of cards for business.

In many cases it’s not necessary to have an official corporate structure in order to qualify for a credit card for small businesses. For those who are freelancers, or business owner without an LLC registered however, you are able to apply for credit cards using the social security numbers, as opposed to an EIN or tax ID.

This guide is great for those who are looking for the possibility of a small-sized company credit card. I’ll give you the top choices and show you how to locate the most suitable business credit card to suit your specific needs.

Best 7 Commercial Credit Card for 2021

There are many credit cards for business on the market at present. They are all claiming to be “the top” for something.

In reality there are just seven business credit cards I would recommend:

1. Chase Ink Business Cash
2. Blue Business Cash Amex
3. Chase Ink Business Preferred
4. CitiBusiness Advantage Platinum
5. American Express Business Gold
6. the Chase Ink Unlimited Business Business
7. Capital One Spark Miles

I’ll list the top highlights, benefits, cost as well as any other factors for each below.

These are the Best Business Credit Card Reviews

1.  Chase Ink Business Cash

Chase Ink Business Cash is the top overall business credit card for business. We are awestruck by their advantages and their flexibility for a vast array of business uses.

Chase provides outstanding rewards for items you already spend money on.

• A 5% cash rebate on the first $25,000 of combined purchases of Internet or cable business phone, and cable each year
• 2.2% cash back on the first $25,000 spent at gas stations and restaurants.
• Unlimited cash back of 1% with all purchase

You can earn up to $1,750 in cash back every year, when you reach the maximum amount in these the first two categories.

Chase has built-in security for situations that require Your Ink Business Cash card. You are able to decline collision insurance provided by rental companies when you rent a car. Chase Ink Business Cash has you protected.

The card also offers the buyer with protection against theft and damaged items for a period of 120 days, which is up to $10,000 per claim, and $50k per card. The card also provides qualified manufacturer’s warranties on purchases for an another year.

You can purchase additional cards for employees at no cost and set spending limit for each cardholder. Also, Ink Business Cash card Ink Business Cash Card doesn’t have an annual cost.

*Terms and conditions apply. Find out the steps to submit an online application

 

2 – Blue Business Cash Card From American Express

Blue Business Business Cash Card provides you with the benefits that come with American Express without the annual charges.

You’ll receive 2% cash back for purchases of upto $50,000 during the calendar year. Following that, you’ll earn the cash back of 1% on all purchases.

Rewards will be automatically added to your account, meaning you don’t need to think about making a manual redemption.

One of the things I like with this particular card are its spending conditions. You are able to spend over the limit of your credit card by using Amex’s increased purchasing capacity.

It doesn’t mean you’re entitled to an unlimited amount of spending freedom. The amount that you can spend beyond your limit is contingent on factors such as your payment history use, as well as other aspects.

American Express offers outstanding travel and transportation benefits through this card. Along with the loss and damage assurance, customers also be able to get access to 24 hour service with worldwide hotline support whenever you’re located more than 100 miles away from your home.

This program provides you with access to financial, legal medical, and other emergency assistance coordination like aiding you to travel without a passport.

Another Blue Business Card highlights include:

• There is no charge for employee card
• Year-end report with detailed details of the categories of spending and expense reports
• Monitoring and alerts for your account
• Integration with Vendor Pay through Bill.com
• Warranty extended by the manufacturer on purchases
• Purchase protection

American Express has a long history of offering exceptional customer service to its cardholders. Their dispute resolution capabilities are unbeatable.

*Terms and conditions apply. Find out what you need to know about applying online

 

3 – Chase Ink Business Preferred

The Chase Ink Business Preferred card has better benefits and rewards over other cards like the Ink Business Cash card. However, the cardholders must pay an annual fee of $95.

It’s the best alternative to business people who have to spend frequently and would prefer rewards points rather than cash back.

Earn 3 points for each dollar spent for the initial $150,000 of total purchases made on:

• Airfare
• Hotels
• Train tickets, car rentals taxis, train tickets
• Advertorial purchases through social media and search engines
• Internet telephone, cable and bill

Earn up to 450,000 points each year, if you purchase in these categories. You’ll earn 1 point for every dollar spent on other purchases, and it’s unlimited.

If you can redeem your travel points using Chase Ultimate Rewards the points can be worth 25 percent more. For instance that 80,000 points can give you around $1,000 towards travel.

You can also transfer eligible points to one of your preferred frequent travel program at an amount of 1:1.

Chase Ink Business Preferred gives you protection for your vehicle rental collisions, mobile phone protection, and travel cancellation and trip interruption coverage. If you fail to make the business trip, or have to shorten it due to illness or weather, or anything other, Chase will reimburse you up to $5,000 of pre-paid, non-refundable costs. This includes airfare, hotels as well as tours.

If you can refer others business proprietors to the Ink Business Preferred card, you could earn up to 100,000 bonus points annually (20,000 per referral that is approved).

*Terms and conditions apply. Find out the steps to submit an online application

 

4 – CitiBusiness AAdvantage Platinum Select World Mastercard

The CitiBusiness AAdvantage Platinum Select World Mastercard is the most reliable credit card for businesses that frequently American Airlines travelers.

In case you and your staff regularly travel with American Airlines, then you ought to look into this card. The benefits offered by American Airlines could cause you to think about traveling exclusively with American Airlines after you read it.

Travel Benefits:

• First checked bag for free for you as well as up to four other people in your travel plans.
• Preferred board
• 25% off on food and drinks
• 25% off Wi-Fi in-flight

Rewards Benefits:

• 2x miles per dollar on telecommunications, cable gasoline, car rental
• 2x miles per dollar spent for American Airlines purchases
• Earn 1 mile for every $1 that you spend on all other purchases

Additionally, you’ll get the American Airlines Companion Certificate for domestic travel after you spend $30,000.00 annually. It’s not difficult to earn in the event that your company has lots of regular spending.

The certificate can be used to purchase one round-trip domestic ticket to someone other than yourself on your list. Note: You’ll remain in the pocket of taxes and other fees.

It’s easy to justify this annual cost if you fly on American Airlines often enough. Assuming that you carry a bag at the airport 2 round-trips typically cost you $100 in bag charges. The card is paid for in one go.

*Terms and conditions apply. Find out the steps to submit an online application

 

5.  American Express Business Gold

American Express Business Gold is a wonderful credit card for anyone who wants to accumulate a lot of points.

The card lets you earn 4x membership points in the two categories that make up the top two where your business is spending the most each billing cycle. The categories are:

• Airfare
• Advertising expenditure
• Software, hardware, and cloud technology
• Tanks
• Restaurants
• Shipping

They are good for initial $150,000 per year you spend in your most important two areas. You’ll earn one point per every dollar you spend following this.

So, it’s the perfect card for businesses with a lot of expenses every year.

American Express has an outstanding reward program for members that can be used to redeem. The points you earn will be transferred into the vast majority of the popular loyalty programs.

Making a reservation for a flight through AmEx Travel allows you to pay using points as well. You can do that and get 25% of the points back into your account.

Additionally, you get all the amazing American Express travel perks like no foreign transaction fee as well as car rental loss or damage coverage, luggage coverage, and the 24/7 global assistance hotline.

In addition it offers Amex Business Gold card offers the option of upgrading your room and also the option of a $100 hotel credit to use to use for spa, dining and other resort-related activities when you stay in the property that is a participant for a minimum of 2 consecutive days.

*Terms and conditions apply. Find out what you need to know about applying online

 

6 – Chase Ink Business Unlimited

The Chase Ink Business Unlimited credit card is like it’s Ink Business Cash card. However, the rewards earned are calculated in a different way.

The Ink Business Cash Card you’ll receive a different amount of cash back depending on the category of your spending, with certain restrictions and limits on how much you can earn within a calendar year.

Ink Business Unlimited card Ink Business Unlimited card is simpler to use. You earn 1.5 percent cash back on every purchase without limit.

The other benefits and features are identical to the Ink Business Cash card.

You’ll receive an amount of $500 in cash back when you spend $3,000 within the first three months of using the card. There’s no annual cost to use this card. Chase Ink Small Business Unlimited card.

*Terms and conditions apply. Find out what you need to know about applying online

 

7 – Capital One Spark Miles For Business

Capital One Spark Miles cards are an ideal choice if you frequent travel. You can earn miles, not money or points.

There are two choices one card is completely unpaid with good rewards, and the other is $95 annually with higher rewards. In addition, the two cards are virtually identical. Here’s a quick outline of both cards:

Capital One Spark Miles

• Annual fee of $95 (waived for the initial year)
• Unlimited miles at 2x miles per amount spent on purchases
• Unlimited miles of 5x miles for every $1 dollars spent for hotel or car rental bookings made through Capital One

Capital One Spark Miles Select

• No annual cost
• Unlimited 1.5x miles per dollar spent on purchases
• Unlimited miles of 5x miles for every $1 dollars spent for hotel or car rental bookings made through Capital One

It is the Spark Miles Select card will work best for people who aren’t willing to pay for the annual cost. If you do travel frequently enough, the cost of $95 is a reasonable amount for the an Spark Miles card.

*Terms and conditions apply. Find out the steps to submit an online application

How to Choose The Best Business Credit Card

After you’ve had the opportunity to examine the best commercial credit cards it’s time to decide which one you want to use. The best business credit card for me may not be the one that is right for you. Each person’s situation is different.

This is the process we employed to develop the cards in this list. You can apply similar methods to assess the most suitable option for your company.

Fees

The cards we looked at varied from zero to $295 for annual charges. There are also monthly fees and maintenance charges that you need to take note of.

A yearly fee is simple to justify if planning to invest enough money to reap the maximum benefit of the perks and benefits.

If you’re a single member sole-proprietor who works from the office at home, you likely do not require a credit card that has an annual cost.

Beyond that, you should look for Cash advance charges as well as foreign transaction fees, transfer charges, and late payment charges. Personally, I make sure to pay in full each month, so APR and late fees aren’t an issue for me.

But fees for foreign transactions can be costly when traveling internationally.

Rewards

Rewards and perks should be considered a major factor when researching cards.

Certain cards provide cash-back, while other cards provide miles or points.

In general cash back will probably be the best choice for the majority of people. If you frequently travel on business (or in the case of an online wanderer… or simply like to travel) cards that pay the user with miles ought to be considered.

Make sure you know how you earn rewards and whether there are any conditions. Some cards may restrict the amount that you earn over the course of a year.

Conditions of Qualification

Certain cards require you and your company to have a good credit score. You will not be approved for certain cards when your credit score is less than 700.

Additionally, you’ll need an entity that is incorporated in order to qualify for certain cards. Certain cards allow you to apply with just your name and Social Security number.

Loyalty Programs

There are specific business credit cards linked to a particular loyalty partner. For instance it is the CitiBusiness Advantage Select World Mastercard can be described as an American Airlines card.

In the majority of cases it’s recommended to stay away from hotel or airline-specific cards as you’ll not get the same reward when you make purchases through a different business. It’s better to stick with general points, cash back or points that are able to be used for any hotel or airline.

If you are certain that you’ll be flying with a particular airline often and you’re a frequent flyer, these loyalty programs can offer you the greatest advantages.

In other words, if you fly to Chicago to Dallas every monthly (both American Airlines hubs) It makes sense to have a card linked to the AAdvantage.

Spending Habits

A business that is spending $10,000 annually shouldn’t be able to get exactly the same card that a company which is able to charge $100,000 annually.

The categories you spend money on can determine your decision on the right card. Certain cards provide more rewards for purchases made at gas stations or restaurants. Other cards offer extra advantages for spending money on advertising or on your phone bill.

Perks

There are many thousands of possible advantages that could convince you to select one over the other. There are a few such perks:

• Welcome bonus
• Purchase protection
• Extended warranties
• Employees can get free cards
• Insurance protection (travel, car rental, baggage)
• Priority board
• Free checked bags
• Hotel credits

The list goes on. Find a credit card that offers rewards that match your spending and business needs.

For instance for example, for instance, the American Express Business Gold card comes with a 50,000-point sign-up bonus if you make a purchase of $5,000 within the first 3 months with the card. However, if you do not typically spend that much over three consecutive months, the card might not be suitable for you. The annual fee of $295 won’t be worth it.

 

Conclusion

Every business needs the use of a credit card. It’s a good thing that firms that issue credit cards have developed cards that offer a variety of rewards, benefits and perks to meet your requirements.

Here’s a brief overview of the top business credit cards we’ve included on our list:

1. Chase Ink Business Cash
2. Blue Business Cash Amex
3. Chase Ink Business Preferred
4. CitiBusiness Platinum
5. American Express Business Gold
6. The Chase Ink Business Unlimited
7. Capital One Spark Miles

If you’re looking for money back, miles or even points, I was sure that there was all of them in this list. Certain cards are ideal for larger companies which travel frequently, while others are suited to small sole proprietors or business owners.